Change your business address
If you're a full access user, you can update your business, registered, mailing and personal addresses within Online for Business and the Business banking app.
Cut-off and delivery times for international payments
We've improved international payments in Online for Business and the app. Select a currency below to see its cut-off time for same-day processing and the expected number of additional processing days for the payment to reach the payee's bank under normal processing conditions.
If the additional processing days are shown as '0', the payee's bank is expected to receive the payment on the same day we process it. We can't guarantee when the payee's bank will make the funds available to their customer.
Important information about payment times
The timeframes shown are based on normal processing conditions.
Before we send an international payment, we carry out checks to meet our legal and regulatory obligations, including fraud prevention and sanctions screening. These checks may also be carried out by other banks involved in the transaction.
While most payments are processed within the timeframes shown, these checks can occasionally take additional time and may delay when the payment is sent or received. We’re not always able to control or predict how long these checks will take.
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Currency cut off times and lead days Code
Currency
Cut-off time
Code
AUD
Currency
Australian dollar
Cut-off time
16:30
1
Code
BHD
Currency
Bahraini dinar
Cut-off time
16:40
2
Code
BDT
Currency
Bangladeshi Taka
Cut-off time
16:30
2
Code
BBD
Currency
Barbados dollar
Cut-off time
16:30
2
Code
CAD
Currency
Canadian dollar
Cut-off time
16:30
0
Code
CZK
Currency
Czech koruna
Cut-off time
09:30
0
Code
DKK
Currency
Danish krone
Cut-off time
11:15
0
Code
XCD
Currency
East Caribbean dollar
Cut-off time
16:30
2
Code
EGP
Currency
Egyptian Pound
Cut-off time
16:30
2
Code
EUR
Currency
Euro
Cut-off time
15:45
0
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Currency cut off times and lead days Code
Currency
Cut-off time
Code
GHS
Currency
Ghanaian Cedi
Cut-off time
16:30
2
Code
GBP
Currency
Great British pounds
Cut-off time
15:30
0
Code
HKD
Currency
Hong Kong dollar
Cut-off time
13:45
1
Code
HUF
Currency
Hungarian forint
Cut-off time
09:30
0
Code
INR
Currency
Indian rupee
Cut-off time
16:30
2
Code
ILS
Currency
Israeli shekel
Cut-off time
16:30
2
Code
JPY
Currency
Japanese yen
Cut-off time
16:30
1
Code
JOD
Currency
Jordanian dinar
Cut-off time
16:30
2
Code
KES
Currency
Kenyan shilling
Cut-off time
16:30
2
Code
KWD
Currency
Kuwaiti dinar
Cut-off time
16:30
2
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Currency cut off times and lead days Code
Currency
Cut-off time
Code
MYR
Currency
Malaysian Ringgit
Cut-off time
16:30
2
Code
MUR
Currency
Mauritian rupee
Cut-off time
16:30
2
Code
MXN
Currency
Mexican peso
Cut-off time
13:45
0
Code
MAD
Currency
Moroccan dirham
Cut-off time
16:30
2
Code
NZD
Currency
New Zealand dollar
Cut-off time
16:30
1
Code
NOK
Currency
Norwegian krone
Cut-off time
11:15
0
Code
OMR
Currency
Omani rial
Cut-off time
16:30
2
Code
PKR
Currency
Pakistani Rupee
Cut-off time
16:30
2
Code
PLN
Currency
Polish zloty
Cut-off time
09:30
0
Code
QAR
Currency
Qatari riyal
Cut-off time
16:30
2
Code
RON
Currency
Romanian leu
Cut-off time
09:30
0
Code
SAR
Currency
Saudi Arabian riyal
Cut-off time
12:45
1
Code
SGD
Currency
Singapore dollar
Cut-off time
12:45
1
Code
ZAR
Currency
South African rand
Cut-off time
11:25
0
Code
SEK
Currency
Swedish krone
Cut-off time
11:45
0
Code
CHF
Currency
Swiss franc
Cut-off time
11:45
0
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Currency cut off times and lead days Code
Currency
Cut-off time
Code
TZS
Currency
Tanzanian shilling
Cut-off time
16:30
2
Code
THB
Currency
Thai baht
Cut-off time
13:45
1
Code
TTD
Currency
Trinidad & Tobago dollar
Cut-off time
16:30
2
Code
TND
Currency
Tunisian dinar
Cut-off time
16:30
2
Code
TRY
Currency
Turkish lira
Cut-off time
16:30
1
Code
UAH
Currency
Ukranian Hryvnia
Cut-off time
16:30
2
Code
AED
Currency
United Arab Emirates dirham
Cut-off time
16:30
1
Code
USD
Currency
United States of America dollar
Cut-off time
17:40
0
* This is the minimum number of business days that the payments will take to reach the payee’s bank (excluding the processing day).
Frequently Asked Questions
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If you send an international payment after the currency cut-off time, the system processes it on the next working day. This also applies to payments sent at the weekend or on a bank holiday.
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Requirements for international payments differ by country and may change over time. This means we might need to ask for extra information for a payee you’ve sent a payment to before.
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If you send an international payment before the currency cut-off time, we'll generally debit your account on the same day. If you make your request after the cut-off time, we may debit your account on the next working day.
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We have strengthened and simplified our authentication processes. If authentication is necessary, we'll request that you re-enter some key information from the payment request.
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You can select who pays the charges on each payment. We’ll show the options that are available for the selected currency from the following list:
- SHA - Share charges with payee.
- BEN - Payee pays all charges.
- OUR - You pay all charges.
The screen explains each option and includes any related costs. This way, you can choose the option that suits your payment needs.
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This is temporary while we transition to the new international payment’s screens.
Any new payments created using the updated screens will appear under the International tab. If you initiated an international payment before the transition and it still needs approval, you'll find it listed under the UK tab on the approvals page.
The authorisation history shows payments from the past 6 months. To find details on earlier international payments, check the UK tab. You may need to do this until the 6-month period ends.
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We have strengthened and simplified our approval and authentication processes.
Authentication is required from the final approver the first time new or updated payee details are used in a payment.
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No, you can't cancel an international payment after you've sent it. This applies to payment requests sent before and after the daily cut-off times.
If you've sent a payment in error, we can try to recall it for you. This is on a best-efforts basis and there's a charge for this service. If the recall is successful, then the amount returned may be for a different amount due to exchange rate differences.